What is an example of a direct loss?

A direct loss refers to a tangible loss resulting from a specific event or peril, leading to physical damage to property. In this scenario, the instance of lightning striking a house and causing damage qualifies as a direct loss because it involves an immediate and obvious physical impact to the property in question. This event results in repair costs and loss of value related directly to the damage incurred from the lightning strike.

In contrast, the other options present different types of losses, typically linked to indirect impacts or economic losses rather than physical damage to a property. Loss of income due to a factory shutdown and loss of revenue from a temporary business closure are examples of indirect losses, reflecting economic consequences rather than direct property damage. Increased costs from implementing safety measures is also an indirect financial burden that does not involve direct damage to property but rather expenses incurred to prevent potential future losses. Therefore, the scenario involving lightning damage is the only one representing a direct loss.